@shelbytruck wrote:I'm learning to dislike them immensely. Quick HIstory - 760+ scores, 35 years credit history, $20K starting limit on this card opened in April. Two things getting under my skin right now.
1) Have spent over $70K on card since opened in April and pay in full or to a diminimis balance each month. Spent almost $30K on card in billing period ending Oct 10th, accordingly made $30K of payments (two separate payments about two weeks apart). The last payment (pushed by me from B of A like every month before (in other words no new banks, no new people etc..) for $18K on Oct 7 will not release my available credit until Oct 24th!!! This seems ridiculous--how in the world could I claw back funds even a week later never mind two and a half weeks.
2) They are inconsistent in that the paper statement of Oct 10th that I can download shows both payments applied as "normal" and shows entire credit line available as of Oct 10TH? How is that possible when online real time shows the reduced amount available and represenative just confirmed the Oct 24th release date---direct contradiction to what the paper statement shows! How do they get away with such incorrect info on the PDF statement?
Thanks for letting me vent
I haven't had this issue with that card, but I have had another one. Their dispute process is terrible if you need to use it. I had to do one a while back and you can only do it over the phone with a representative from India. They failed to understand my issue and I lost the dispute because the customer service was so bad. So now I just use this card for recurring bills and subscriptions that I would never likely dispute just to cover my arse in a future situation like that. I'm gonna stick to AmEx for my purchases that might require a dispoute from now on.
